Car insurance in Indiana costs between $32 and $129 per month on average, depending on your coverage level. Drivers with the state minimum liability coverage pay roughly $32 to $65 per month, while those with full coverage pay approximately $58 to $129 per month. Indiana’s rates are well below the national average, about 20% to 30% cheaper, depending on the comparison, making it one of the more affordable states for car insurance.
Indiana requires drivers to carry at least $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 in property damage liability per accident. Insurers must also offer uninsured/underinsured motorist coverage, though Indiana drivers may decline it in writing. Indiana’s relatively low population density and below-average accident fatality rate are two factors that help keep statewide premiums competitive.
The cheapest car insurance companies in Indiana include Auto-Owners, GEICO, and Pekin Insurance, with rates well below the state average for drivers with a clean record. Indiana car insurance costs are expected to remain largely flat in 2026 after rising in recent years, making now a good time to compare insurance quotes.
Free Car Insurance Comparison - Save up to 30%
No junk mail. No spam calls. Free quotes.
No Signup required
| Coverage Level | Average Monthly Range | Average Annual Range |
|---|---|---|
| Liability Only (State Minimum) | $32–$65/month | $384–$780/year |
| Full Coverage (Standard Driver) | $58–$129/month | $696–$1,548/year |
| Full Coverage (Young Driver, 18 years old) | $129–$262/month | $1,548–$3,144/year |
Source: insurify.com
Note: Rates are based on averages and may not reflect your specific profile.
To legally drive in Indiana, you must carry the following minimum coverage:
| Coverage Type | Minimum Required |
|---|---|
| Bodily Injury Liability (per person) | $25,000 |
| Bodily Injury Liability (per accident) | $50,000 |
| Property Damage Liability (per accident) | $25,000 |
| Uninsured/Underinsured Motorist | Insurers must offer this; you may decline it in writing |
Indiana law requires all insurers to offer uninsured/underinsured motorist (UM/UIM) coverage when you purchase a policy. Unlike some states, Indiana does not include this coverage in its legal minimum, you may decline it in writing if you choose. UM/UIM coverage helps pay your costs if you’re hit by a driver who carries little or no insurance, so most insurance professionals recommend keeping it even though it’s optional.
If your vehicle is financed or leased, your lender will typically require you to carry full coverage, including collision and comprehensive, regardless of the state minimum. Ask your lender about their specific requirements before dropping any coverage.
After an at-fault accident, Indiana law requires your insurance company to file a certificate of compliance with the Indiana Bureau of Motor Vehicles (BMV). This certificate confirms that you carried the legally required minimum coverage at the time of the accident. If you’re involved in an accident, ask your insurer or claims representative about this filing to make sure it’s completed properly, failing to do so can create complications with your driving record and registration.
Free Car Insurance Comparison - Save up to 30%
No junk mail. No spam calls. Free quotes.
No Signup required
Rates vary significantly between insurers in Indiana. Here is a comparison of average monthly ranges for major carriers:
| Company | Liability Only (Monthly Range) | Full Coverage (Monthly Range) |
|---|---|---|
| Auto-Owners Insurance | $28–$39/month | $75–$115/month |
| GEICO | $32–$50/month | $90–$130/month |
| Pekin Insurance | $30–$48/month | $65–$105/month |
| USAA (military only) | $33–$52/month | $82–$118/month |
| Progressive | $45–$65/month | $58–$112/month |
| Travelers | $48–$68/month | $98–$135/month |
| State Farm | $50–$72/month | $105–$145/month |
| Allstate | $60–$85/month | $130–$175/month |
Source: insurify.com
Note: Rates are based on averages and may vary by driver profile.
| Age Group | Avg Annual Rate (Full Coverage) | Notes |
|---|---|---|
| 16 years old | $4,809/year | Highest rate band in the state; adding to a parent's policy is far cheaper than a standalone policy |
| 18 years old | $3,144/year | Progressive offers some of the cheapest young-driver liability rates ($122/mo) |
| 25–34 | $1,400 – $1,800/year | Rates drop significantly after age 25 |
| 35–49 | $1,150 – $1,548/year | Lowest rates for most standard drivers |
| 50s | $974/year | Among the lowest average rates in the state |
Source: insurify.com
Note: Rates are based on averages and may not reflect your specific profile.
| Driving Record / Factor | Avg Monthly Rate (Full Coverage) | vs. Clean Driver |
|---|---|---|
| Clean record | $58 – $129/month | Baseline |
| 1 speeding ticket | $94 – $165/month | +22% average; about $36/mo more |
| At-fault accident | $134 – $205/month | +46% average; about $76/mo more |
| OWI (DUI) conviction | $97/month liability avg, $192/month full avg |
Significantly higher; SR-22 filing may be required |
| Poor credit | $52 – $90/month (liability) | Auto-Owners cheapest for poor credit at $52/mo |
Source: insurify.com
Note: Rates are based on averages and may not reflect your specific profile.
Yes. Indiana allows insurance companies to use credit-based insurance scores as a factor in setting rates. Maintaining good credit, by paying bills on time and keeping credit card balances low, can help lower your car insurance costs over time. If your credit score has improved since you last shopped for insurance, comparing new quotes could uncover meaningful savings.
Free Car Insurance Comparison - Save up to 30%
No junk mail. No spam calls. Free quotes.
No Signup required
Where you live in Indiana affects your premium. Indianapolis, the state’s capital and largest city, has some of the highest rates in the state due to heavy traffic on highways like I-465 and I-70, which see more than 150,000 vehicles per day and contribute to congestion and accidents. Smaller cities like Elkhart tend to offer some of the most affordable rates in the state.
| City | Avg Monthly Rate (Full Coverage) | vs. IN State Average |
|---|---|---|
| Indianapolis | $117/month | Above average — highest traffic density, I-465/I-70 congestion |
| Gary | Above state average | Above average — higher accident/claims frequency |
| Jeffersonville | Above state average | Above average |
| Fort Wayne | Near state average | Near average |
| Evansville | Near or below state average | Near average |
| Elkhart | From $29/month (liability) | Below average — among the most affordable cities |
Source: insurify.com
Note: Rates are approximate and may vary by ZIP code within each city.
Several factors specific to Indiana influence statewide premiums beyond an individual driver’s profile:
An SR-22 is not a type of insurance, it is a certificate your insurer files with the Indiana Bureau of Motor Vehicles confirming you carry at least the state minimum required coverage. Indiana may require an SR-22 following certain serious violations, including an OWI (operating while intoxicated) conviction, driving without insurance, or a license suspension or revocation.
Drivers with an OWI conviction on their record in Indiana pay an average of $97 per month for liability-only coverage and around $192 per month for full coverage, both notably higher than the rates a clean-record driver would pay. Not all insurers offer SR-22 filing, so if your current insurer doesn’t, you may need to switch carriers. Comparing quotes from multiple companies remains the best way to find an affordable option if you need an SR-22.
The rate difference between Indiana’s cheapest and most expensive insurers can be substantial for identical coverage. Comparing at least three to five quotes, including less prominent carriers like Auto-Owners and Pekin Insurance alongside national brands, is the most reliable way to find your lowest available rate.
Indiana allows insurers to use credit-based insurance scores when calculating premiums. Paying bills on time, reducing credit card balances, and avoiding new credit inquiries can help lower your rate over time. If your credit has improved recently, re-shopping your policy is worth the few minutes it takes.
Most Indiana insurers offer discounts for bundling home and auto policies, maintaining a claims-free history, paperless billing, and loyalty. Veterans and students may also qualify for additional savings. Ask your agent directly which discounts apply to your policy, since not all are applied automatically.
A single speeding ticket can raise your Indiana premium by an average of 22%, while an at-fault accident can raise it by an average of 46%. Avoiding violations and accidents is the single most effective long-term way to keep your insurance costs down.
Increasing your deductible, the amount you pay out of pocket before your insurance kicks in, will generally lower your monthly premium. Just make sure you have enough savings set aside to comfortably cover the higher deductible if you need to file a claim.
If your car is older and worth less than a few thousand dollars, carrying comprehensive and collision coverage may cost more per year than the vehicle is worth to replace. Reviewing your coverage annually, especially as your car ages or once it’s paid off, can help you avoid paying for protection you may no longer need.
Now that you have a better idea of the coverage you need and the costs you can expect to pay, it’s time to start gathering quotes. After all, the open road is waiting!
Start by getting access to free quotes here, so that you can compare coverage and costs to make the right decision for your driving needs.
We’ve got you covered.
Free Car Insurance Comparison - Save up to 30%
No junk mail. No spam calls. Free quotes.
No Signup required
Indiana drivers pay between $32 and $65 per month for minimum liability coverage and between $58 and $129 per month for full coverage, based on 2026 data. Indiana’s rates are well below the national average, in part due to the state’s relatively low population density and below-average accident fatality rate. Rates are expected to remain largely flat through the rest of 2026 after several years of increases.
Auto-Owners offers the cheapest liability-only coverage in Indiana, with average rates around $32 to $35 per month. For full coverage, Progressive and Pekin Insurance are among the most competitive options. USAA also offers some of the lowest rates in the state but is limited to military members, veterans, and qualifying family members. Because pricing varies by driver profile, comparing multiple quotes is the most reliable way to find your specific lowest rate.
No. Indiana requires insurers to offer uninsured/underinsured motorist (UM/UIM) coverage to every policyholder, but drivers are legally permitted to decline this coverage in writing. While it’s optional, many insurance professionals recommend keeping UM/UIM coverage, since it helps pay your costs if you’re hit by a driver with little or no insurance of their own.
Indiana requires drivers to carry at least $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 in property damage liability per accident — often summarized as 25/50/25 coverage. These limits apply to the at-fault driver’s policy and are paid to the other party involved in an accident. Because these minimums may not cover the full cost of a serious accident, many drivers choose to carry higher liability limits or add full coverage for additional protection.
Indiana may require an SR-22 filing after certain serious violations, including an OWI (operating while intoxicated) conviction, driving without insurance, or a license suspension or revocation. Drivers with an OWI conviction in Indiana pay an average of $97 per month for liability-only coverage, notably more than a clean-record driver pays. Not every insurer offers SR-22 filing, so drivers who need one may need to compare quotes from companies that specifically provide this service.
Yes. Indiana permits insurance companies to use credit-based insurance scores as a factor in setting premiums. Drivers with stronger credit histories generally receive lower rates than those with weaker credit for comparable coverage. Maintaining good credit, through on-time payments and low credit card balances, can help reduce your insurance costs over time.
Indiana’s car insurance rates run well below the national average for several reasons: the state has a relatively low accident fatality rate compared to nearby states, a lower overall population density with many rural counties, and a declining vehicle theft rate, down 21% between 2024 and 2025. Indiana’s above-average credit scores statewide also help keep premiums from rising as much as they might otherwise. That said, severe weather, including tornadoes and hail, and a relatively high share of leased vehicles do put some upward pressure on rates.
Driving without insurance in Indiana can result in fines, license suspension, and registration suspension. If you allow your coverage to lapse more than once, your vehicle registration may be suspended for up to four months. You’re also personally liable for all damages if you cause an accident while uninsured, and after any at-fault accident, your insurer must file a certificate of compliance with the Indiana BMV confirming you carried the required coverage.
Explore state-by-state car insurance trends to understand where drivers pay less on average.
Lauren Lewthwaite Lauren Lewthwaite has been freelance writing for almost five years writing content that ranges from health to insurance and everything in between. Lauren is also a trained translator in French and English and is a dog-mom to an adorable Australian Shepherd.
